this is the ramsay call of the day part of the ramsay network tannis is with us in canada hi tannis

how are you i'm good how are you better than i deserve what's up um okay so i am kind of on baby step number one.

I've been also, well, I thought I was on two, but it turns out I'm back on one.

So I had some money put away, and my savings were okay.

And so I made a lump sum payment on my student loans, which was great.

But now, like after a couple

things happened, now I'm kind of back at square one, but I just feel like every paycheck,

I'm reaching more into my emergency fund because it's like I'm always behind. In each paycheck,

I'm catching up from something I missed the previous two weeks, and I just, like,

I just can't, I can't get ahead.

What's causing you to be in the hole right now?

Which expenses is it?

My student loan payments are, like, killer.

So what's your income?

It kind of, it kind of varies.

So I'm on salary for the first time in my life, too, which very different for me. But yeah, so like salary is $3,000 a month and then I might make another like $1,000 with just like the extra work that I've been doing.

But that varies again, so it just depends on kind of what's available.

And what's your minimum payments on all of your debts?

My minimum payments for my student loans is $650 a month.

And then I have a $200 car insurance payment.

My rent is $800.

And then I'm trying to think I have like 10 of insurance,

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